Lenders › Vanderbilt Mortgage and Finance, Inc › Idaho
Vanderbilt Mortgage and Finance, Inc in Idaho
HMDA record for properties in Idaho, calendar year 2024. National record · Idaho overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Vanderbilt Mortgage and Finance, Inc's 2024 HMDA record for Idaho covers 358 applications, 46 of them originated, worth $8.3m.
Its denial rate in the state was 71.0%, above the Idaho rate of 19.4% across all lenders and compared with the lender's national rate of 69.7%.
The median rate spread on its Idaho originations was 4.0 percentage points (state median 0.3).
Applications in the state were down 16% on 2023.
Compared with the state and the lender's national record
| Measure | In Idaho | Idaho, all lenders | Vanderbilt Mortgage and Finance, Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 71.0% | 19.4% | 69.7% | 24.3% |
| Median rate spread, pp | 4.0 | 0.3 | 2.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 63.0% | 15.9% | 61.0% | 15.6% |
| Average originated loan | $182k | $314k | $204k | $329k |
| Home purchase share | 100.0% | 54.0% | 98.8% | 57.0% |
| FHA-insured share | 0.0% | 12.5% | 11.3% | 13.4% |
| VA-guaranteed share | 4.3% | 8.0% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIdaho, all lenders
Loan purpose and loan type in Idaho
By purpose
Home purchase 100% (46)
By type
Conventional 96% (44)VA 4% (2)
Denial reasons as coded
Share of 120 denials in Idaho by first denial reason coded (outlined bar: all lenders in the state).
Counties in Idaho
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Ada County | 85 | 23 | $6.1m | 45.2% |
| Bannock County | 37 | 8 | $550k | 71.4% |
| Canyon County | 44 | 2 | $150k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Vanderbilt Mortgage and Finance, Inc originate in Idaho in 2024?
46 loans totalling $8.3m, from 358 applications reported for properties in Idaho.
What is Vanderbilt Mortgage and Finance, Inc's denial rate in Idaho?
71.0% of decided applications in Idaho were denied, against 19.4% for all lenders in the state and 69.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Idaho counties does Vanderbilt Mortgage and Finance, Inc lend in most?
By originations: Ada County (23), Bannock County (8), Canyon County (2).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Idaho. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.